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Indicator Reports

Portfolio Quality

2006

2007

2008
Portfolio at risk      
1-30 days 0.0% 0.0% 0.0%
31-60 days 0.0% 0.2% 0.0%
61-90 days 0.0% 0.0% 0.0%
91-180 days 0.3% 0.0% 0.1%
181-365 days 0.0% 0.0% 0.0%
 + 365 days 0.0% 0.0% 0.0%

Rescheduled (no current arrears)

 0.0% 0.0% 0.0%
Total > 1 day (PAR1) 0.3% 0.3% 0.1%
Total > 30 days (PAR30) 0.3% 0.3% 0.1%
Total > 30 days + rescheduled 0.3% 0.3% 0.1%
Protection      
Loan loss reserve ratio 0.4% 0.1% 0.1%
Risk coverage ratio (of PAR30 + rescheduled) 123% 21% 100%
Provision expense ratio 0.5% 0.5% 0.2%
Write-Off      
Loan loss rate 0.0% 0.0% 0.0%
Portfolio at risk write-off index 0.0% 0.0% 0.0%
        
Financial Structure

2006

2007

2008
Earning capacity of assets      
Net Portfolio / Total Assets 92% 88% 82%
Non-earning assets  / Total Assets 6% 4% 6%
Solvency      
Capital Adequacy 44% 50% 25%
Leverage 2.3 2.0 4.0
Working Capital 31% 35% 20%
 

 

 

 
Efficiency & Productivity

2006

2007

2008
Portfolio Yield 35.0% 30.8% 29.8%
Operating expense ratio 20.2% 20.3% 20.4%
Portfolio Rotation 19% 226% 192%
Credit staff as % of staff 78% 71% 61%
       
Sustainability

2006

2007

2008
Return on Equity (ROE) 12.4% 11.3% 14.2%
Return on Equity (ROE) excluding donations 12.4% 11.3% 14.2%
Return on Assets (ROA) 4.2% 3.6% 3.5%
Return on Assets (ROA) excluding donations 4.2% 3.6% 3.5%
Operational self-sufficiency (OSS) 122.6% 118.3% 115.9%
       
Profitability Analysis

2006

2007

2008
Net Margin 13.6% 12.6% 13.7%
Interest Margin 27.7% 24.7% 25.7%
Operating Margin 18.4% 15.5% 13.7%
Net Financial Margin 75.5% 79.3% 80.8%
Cost ratio 75.6% 80.5% 83.0%
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